Gateway to Think Tanks
来源类型 | CEPS Policy Insights |
规范类型 | 论文 |
Cyber finance challenges demand a unified response | |
Karel Lannoo | |
发表日期 | 2018-10-25 |
出处 | FinTech |
出版年 | 2018 |
语种 | 英语 |
摘要 | The biggest opportunities and threats in finance these days come from the cyber-sphere. Fintech firms (fintechs) have made big inroads in financial intermediation, and some new companies are valued more than large banks. Blockchain and robo-advice are expected to revolutionise the ways banks interact with their clients and structure operations internally. The use of cryptocurrency has created a big controversy in central banking circles about the creation of a new form of money outside the classic institutions. But more cyber could also create more threats for operational failures of systems, or huge thefts of data. Fintech is depriving banks of important sources of revenue and raising questions about the adequacy and sustainability of bank business models and their legacy systems. Blockchains may in theory be very secure, but the technology is still immature and they are very energy intensive. Cryptocurrencies facilitate money laundering and reduce financial inclusion, or may be simply Ponzi schemes. Robots store large amounts of private information, but how the data are used and the reasons why certain products are recommended to clients may be very opaque. In this Policy Insight, CEPS CEO Karel Lannoo assesses the impact of innovation in the cyber-sphere on finance and addresses the central question of whether the policy response, either at the global or European levels, is adequate. |
主题 | Economy and Finance |
URL | https://www.ceps.eu/publications/cyber-finance-challenges-demand-unified-response |
来源智库 | Centre for European Policy Studies (Belgium) |
资源类型 | 智库出版物 |
条目标识符 | http://119.78.100.153/handle/2XGU8XDN/62568 |
推荐引用方式 GB/T 7714 | Karel Lannoo. Cyber finance challenges demand a unified response. 2018. |
条目包含的文件 | ||||||
文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
PI2018_12_KL_CyberFi(550KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 |
个性服务 |
推荐该条目 |
保存到收藏夹 |
导出为Endnote文件 |
谷歌学术 |
谷歌学术中相似的文章 |
[Karel Lannoo]的文章 |
百度学术 |
百度学术中相似的文章 |
[Karel Lannoo]的文章 |
必应学术 |
必应学术中相似的文章 |
[Karel Lannoo]的文章 |
相关权益政策 |
暂无数据 |
收藏/分享 |
除非特别说明,本系统中所有内容都受版权保护,并保留所有权利。